Insured Contract Coverage under the BAP

May 21, 2012

Our insured has a BAP policy with symbol 1 for liability and symbol 8 for physical damage.  An employee rented the vehicle at the direction of the insured for business. The policy does not include the Employee Hired Autos endorsement. Based on the insured contract language in the BAP, would the liability be primary for the rental vehicle that was rented by the employee at the request of the insured?

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